{"id":409,"date":"2021-07-09T00:35:31","date_gmt":"2021-07-09T03:35:31","guid":{"rendered":"https:\/\/niss.com.br\/comprar-imovel-a-vista-ou-financiar\/"},"modified":"2021-07-09T00:35:31","modified_gmt":"2021-07-09T03:35:31","slug":"comprar-imovel-a-vista-ou-financiar","status":"publish","type":"post","link":"https:\/\/niss.com.br\/en\/comprar-imovel-a-vista-ou-financiar\/","title":{"rendered":"Buying in cash or financing?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The time has come to buy your dream apartment, but the question still remains: should you buy in cash or finance? The answer to this question depends on a number of factors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The fundamental step is to understand your situation: is it your first property or is it an exchange? When it's your first property, you have the option of saving up to buy it outright or financing it. If you own a property, you can put it down as a down payment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To help you choose the option that best suits your needs, we've listed the advantages of buying a property with cash or financing. Read on!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Advantages of buying property in cash<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many buyers choose the cash option for two reasons. The first is to get rid of interest. The second is to bargain for a good discount. However, you should bear in mind that<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you already have the amount available or you still want to add to it;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">property values fluctuate a lot because of the <\/span><a href=\"https:\/\/niss.com.br\/en\/blog\/o-que-e-incc-e-como-ele-influencia-o-mercado-imobiliario\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">market conditions<\/span><\/a><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you have to have the discipline to save every month.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When you buy a property outright, you pay the real price. This is because financing comes with interest which, when added up, shows a higher total than expected.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And when you buy a property in cash, another advantage is that you can avoid unforeseen circumstances compromising your income and affecting your mortgage payments. Everything is already paid off.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Advantages of financing a property<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are also advantages to financing the property, as it's a great way to get your first apartment. Payment conditions are easy and many credit lines offer benefits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The first advantage is that raising the money to buy a property outright is a distant reality for some people. That's why financing allows you to choose a line of credit with the most advantageous conditions for your profile.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The installments, for example, are budget-friendly. In addition, it is possible to use the balance of the FGTS (Severance Indemnity Fund) to amortize or pay off the installments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Those who invest can also bet on real estate financing. Depending on the yield of the investments, the monthly installment, or a large part of it, can be paid with this income.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Third option for owning your own property<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There is a third option between buying a property outright and financing, which combines the two. In this, you make a larger down payment and get a smaller residual value to pay monthly, in the short to medium term.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you don't already have this amount, you can raise it by selling a property you already own or other assets, such as vehicles. You can also check out the possibility of using your FGTS as a down payment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So you have the option of buying a property in cash or financing it in the most suitable and intelligent way for your budget. It's the realization of a dream and a <\/span><a href=\"https:\/\/niss.com.br\/en\/blog\/como-se-preparar-para-morar-sozinho\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">an important step towards independence<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Take the opportunity to read the article <\/span><a href=\"https:\/\/niss.com.br\/en\/blog\/como-usar-meu-fgts-para-comprar-imovel\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">How can I use my FGTS to buy a property?<\/span><\/a><span style=\"font-weight: 400;\"> and see the tips for starting a mortgage.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Chegou o momento de adquirir o seu t\u00e3o sonhado apartamento, mas a d\u00favida ainda persiste: comprar im\u00f3vel \u00e0 vista ou financiar? A resposta para essa pergunta depende da an\u00e1lise de alguns fatores. O passo fundamental \u00e9 entender sua situa\u00e7\u00e3o: \u00e9 o primeiro im\u00f3vel pr\u00f3prio ou se trata de uma troca? Quando \u00e9 o primeiro, h\u00e1 [&hellip;]<\/p>","protected":false},"author":2,"featured_media":410,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[16],"tags":[],"class_list":["post-409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financas-pessoais"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comprar im\u00f3vel \u00e0 vista ou financiar? | Niss Incorporadora<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/niss.com.br\/en\/comprar-imovel-a-vista-ou-financiar\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comprar im\u00f3vel \u00e0 vista ou financiar? | Niss Incorporadora\" \/>\n<meta property=\"og:description\" content=\"Chegou o momento de adquirir o seu t\u00e3o sonhado apartamento, mas a d\u00favida ainda persiste: comprar im\u00f3vel \u00e0 vista ou financiar? 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| Niss Incorporadora","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/niss.com.br\/en\/comprar-imovel-a-vista-ou-financiar\/","og_locale":"en_US","og_type":"article","og_title":"Comprar im\u00f3vel \u00e0 vista ou financiar? | Niss Incorporadora","og_description":"Chegou o momento de adquirir o seu t\u00e3o sonhado apartamento, mas a d\u00favida ainda persiste: comprar im\u00f3vel \u00e0 vista ou financiar? 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